Strengthening agriculture finance through capacity building, peer-to-peer learning, and networking.

Amret Microfinance Institution

A man employs two oxen to plough a rice field. Cambodia. Photo: © Masaru Goto /

Program Cost:

$2,304,686

AgriFin Grant:

$1,100,000

Project Status: In progress

With co-financing from AgriFin, Amret is strengthening its capacity in agricultural lending to target new and existing rural clientele.

View Project Profile (PDF File)

Amret Microfinance Institution

Amret is one of the leading institutions in Cambodia involved in agriculture/rural lending. Most of its 46 branches are located in rural district towns and 94% of its borrowers live in the villages.  Amret’s microcredit activity was created in 1991 in the context of a rural development project. Originally providing only group loans, Amret started providing individual loans in 1995, first in villages, then in district and provincial towns through a network of branches. In 2000 it transformed into a private limited company. Amret also has offered deposit products since autumn 2009, such as current accounts, planned savings, and term deposits. In addition, Amret has recently launched an inter-branch transfers system. Learn More >>

Major Activities

  • Build technical and management capacity in agriculture finance
  • Establish low cost service points and mobile phone solutions
  • Customize the Management Information System (MIS) to incorporate agriculture finance products
  • Provide non-financial services for farmers
  • Develop at least four new agriculture loan products

Key Outcomes

  • Outreach to 100,000 new clients with a total volume of $38 million under group loans over four years
  • Outreach to 14,175 new clients with a total volume of $11 million under individual loans over four years